Next Steps

With the First Tennessee Visa Signature® card, you get something back every time you make a purchase. From signature travel destinations to signature experiences, it’s the card that offers you a world of possibilities.

Our Visa Signature card offers a low 0% APR intro rate for 12 months, then adjusts to variable APRs, currently 7.75% – 18.00% for purchases and balance transfers. Also, the $75 Annual Fee is waived the first year! See Terms and Conditions.

** To qualify for this offer, you must spend $1,500 in net purchases in the first 90 days from the account open date. Bonus points will be posted to the account by the fifth statement cycle. Bonus points cash equivalent is considered income and reported on 1099-MISC.

*** Cash back will be in the form of a statement credit.

1 Cardholder must notify First Tennessee Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

2 Balance Transfers under this Agreement must be requested by you, via our customer service center or website, to transfer all or part of your balance with another creditor.

Very Disappointed

I am extremely disappointed with this card! I have excellent credit, pay my card on time and in full every month, and tried to redeem my rewards over two months ago. I have yet to receive them. I have gotten every excuse they can think of, and no one seems to know why or how this could happen. It does not appear that they can keep the points balance correct. I am now convinced I will never actually receive these rewards. This card deserves NO STARS. There are a lot of rewards cards out there, this card is NOT the one to pick.

Response from First Tennessee BankOctober 14 ,2014

We are so sorry you've had a negative experience. We've asked our Customer Solutions Team to reach out to you for assistance right away.

Annual Fee

I've been a fan of 1st TN's customer service and friendly staff for years now but, a $75 Fee annually is absurd. I have 8 different Credit Cards and none of those 8 charge an annual fee, much less $75.

No Dice

MRR045From: CHATTANOOGA, TNAge: 45-54Customer Length: Over 15 Years

75.00 fee really?? No thanks. Banks have really lost the mission on what they used to be about. They act like they doing you a favor when it really is the other way around. Sorry First TN, but 75.00 annual fee is ridiculous!

Response from First Tennessee BankJune 3 ,2014

Visa Signature is a premium card with rewards such as travel, gift cards, and more. Customers also have the option to redeem points for a waiver of the annual fee. We also iffer a Visa Classic and Visa Platinum Card that do not have annual fees.